What does workers' compensation — 5th year mean?

Tracks the loss development for insurance policies in their fifth year of maturity. By this point, the claims experience is generally mature, providing a clear view of the ultimate loss ratio for that specific cohort.

The Hartford Financial Services Group HIG Workers' Compensation — 5th Year

Other product segments

Automobiles

15.7%-0.6%

General Liability

14.9%-3.9%

Professional liability

9.7%+1.0%

Marine

7.2%+7.5%

Package Business

6.6%+3.1%

Assumed Reinsurance

5.7%-3.4%

Property Insurance

1.9%-17.4%

Surety Product Line

1.3%+8.3%

Similar metrics at other companies

ORIWorkers' Compensation — Year 5

5.1%-0.1pp

CNAWorkers' Compensation — Year 5

5.8%-0.1pp

PRA

PRAWorkers' Compensation Insurance — Historical claims duration, year 5 (percent)

2.3%0.0pp

UFCSCommercial workers' compensation — Year 5

4.1%+0.1pp

ORIWorkers' Compensation — Year 4

8.1%-0.2pp

ORIWorkers' Compensation — Year 6

3.9%+0.1pp

Other financials

Income statement

See full

Revenue$7.2B+6.1%

Net income$856.0M+35.9%

EPS (diluted)$3.04+41.4%

Balance sheet

See full

Cash & equivalents$166.0M+20.3%

Total debt$4.4B+0.1%

Total equity$18.9B+12.1%

Total assets$86.3B+4.9%

Cash flow

See full

Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

See full

Market cap$36.7B+2.1%

Enterprise value$40.91B+1.9%

P/E9×-2.0×

P/S1.3×0.0×

Profitability

See full

Net margin14.1%+3.0pp

FCF margin20.2%-0.8pp

Returns & leverage

See full

Return on equity22.7%+4.2pp

Debt / equity0.2×0.0×

Where this comes from

Reported directly by The Hartford Financial Services Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

Ask your AI about The Hartford Financial Services Group's workers' compensation — 5th year.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is The Hartford Financial Services Group's workers' compensation — 5th year?: The Hartford Financial Services Group (HIG) reported workers' compensation — 5th year of 5.8% in Q4 2025.
What does workers' compensation — 5th year mean?: Tracks the loss development for insurance policies in their fifth year of maturity. By this point, the claims experience is generally mature, providing a clear view of the ultimate loss ratio for that specific cohort.